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This class will cover the WHO, WHAT, and WHY of credit and homeownership. We will discuss the foundation of credit, which starts with budgeting and getting finances in order. We will also discuss how to build or establish credit and lastly the basic credit requirements to obtain a mortgage loan with a lender.

Our presenter, Kyra Jefferson is currently the Financial Advising Manager with Beyond Housing. She has served as a HUD Certified Housing counselor and teaches home buyer education to provide the skills and knowledge required to navigate through the home purchase process.   Kyra has a passion to serve the community and help St. Louis become a better place to live. She enjoys trying new restaurants and traveling whenever she can! She is a huge sports fan of her boys who play football and baseball!

If you need accommodations for this class, please contact the Library as soon as you are able to after registering.

Participants will learn why it is important to have a spending plan, what their relationship with money is, to create SMART goals, and how to track their spending.

Lifting Up STL is excited to announce our Financial Educational Sessions presented by Carrollton Bank! Classes are free and open to anyone who would like to attend. The first class will be on Managing Debt and Budgeting! These sessions will be held at 3839 Lindell Blvd. St. Louis, MO 63108 in The Young Hall on Saint Louis University campus. Check out our Facebook page for more details and to RSVP! If you have any questions, please reach out to jfechter@liftingupstl.org or (314)833-5220. A virtual option is available when you pre-register.

Learn reasons why having good credit is important, what’s in your credit report, how to get your credit report for free, and dispute incorrect information. Participants will also learn strategies to establish or rebuild credit and learn how to freeze their credit if needed. There is time at the end of the class for participants to ask questions.

Learn how to obtain your credit report. Find out what is on your credit report and how to dispute inaccurate information.

Interested in financial education regarding your personal savings? Then be sure to take advantage of this planning session led by a community banking representative. This will be a great time for questions and advice that will be sure to help you get more bang for your buck! Come earlier at 12:00 p.m. with your lunch to share community with our Lunch Bunch!

Attend our Home Buying Workshop to learn: • How to achieve affordable and successful homeownership! • Down Payment Assistance Programs that are available • How to get a FREE credit analysis? • What documentation you need to be approved for a loan?

Participants in this class will learn the different ways to use your credit cards and strategies for maximizing your credit building goals while staying within a budget. Learn to prevent common mistakes made with impulse shopping.